CARLOS LUCIANO

**** ******* ***. *** ****

Miami Beach, Florida 33140

917-***-****

adhjsv@r.postjobfree.com

www.linkedin.com/pub/carlos-luciano/22/b13/573

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SUMMARY

KYC/AML Onboarding and off boarding Analyst with increasing management responsibilities. New client on boarding and KYC process. Monitoring and reporting of transactions for high risk clients. Risk management and controls. Experienced in both International and Domestic markets. Tracking of accountholders and their transactions looking for known or suspected money launderers, terrorists or drug dealers. Experienced in the KYC, AML, and OFAC process. Face to face client interaction.

EXPERIENCE

SUMITOMO MITSU BANKING CORPORATION, NEW JERSEY

AML/KYC Officer – (Contract) Periodic Reviews and Quality Control

July 2020

• Periodic reviews and quality control reviews. Conducting risk-based reviews.

• Assessing the completeness and quality of KYC documentation provided, Producing risk-based written analysis of customers who require periodic reviews. Transaction analysis, negative news dispositions, and risk mitigation for high risk customers. Reviewing exceptions and red flags Alerts. Review and assess quality of initial client data provided.

• Creating risk memos and supporting documentation for each client. Lexis Nexis, World Check, Factiva, Bankers Almanac and OFAC. Assessing potential risks and opportunities

DEUSTCHE BANK, NEW YORK, NY

AML/KYC Analyst – (Contract) Periodic Reviews and Control Analyst

December 2019 to July 2020

• Periodic reviews and quality control reviews. Performed KYC processing of new accounts and existing accounts. Identification and verification of CIP/CDD/EDD

• Assessed the completeness and quality of KYC documentation provided. Transaction analysis, negative news dispositions, and risk mitigation for high risk customers.

Reviewing exceptions and red flags (Alerts). Reviewing high risk customer cases.

• Conducted internet research to understand the nature and purpose of the client's accounts. Analyzed and identified risks and AML concerns.

Liaised with the Front Office to obtain from the customer the required information/documentation to satisfy CDD requirements. Conducted research of the BSI client records on file to verify information on new and existing clients.

LANDESBANK BADEN-WURTTEMBERG, NEW YORK, NY, NEW YORK, NY

AML/KYC Surveillance Analyst – (Contract) Transaction Surveillance Unit

October 2019 to December 2019

• Closure of alerts from the automated transaction monitoring system (Actimize), World Check.

• Analyzed transaction activity alerts, such as cash deposits, wires, loans, ACH and check activity

• Created and maintained investigation reports. Monitored and reported transactions for high risk clients. Cleared exceptions and red flags (Alerts). Reviewed customer profiles.

• Analyzed transactional data using system-generated spreadsheets to identify suspicious activity

Enhanced Due Diligence for PEPs and high-risk clients. Conducted investigation of money laundering alerts or transactions considered suspicious. Negative news disposition

NATIONAL BANK OF CANADA, NEW YORK, NY

AML/KYC Compliance Risk Analyst – (Contract) Financial Investigation Unit

July 2019 to August 2019

• Performed quality assurance reviews of KYC files, alert investigations and SAR filings

• Analyzed transaction activity alerts, such as cash deposits, wires, loans, ACH and check activity

• Created and maintained investigation files, including alerts, and suspicious activity reports.

• Enhanced Due Diligence for PEPs and high-risk clients. Conducted investigation of money laundering alerts or transactions considered suspicious. Negative news disposition

• Risk assessments. Lexis Nexis, Factiva, OFAC, World Check, and Google

CREDIT AGRICOLE, NEW YORK, NY

AML/KYC Compliance Officer – (Contract) Financial Crimes Unit

September 2018 - December 2018

• Reviewed and approved Know Your Customer files as part of the onboarding process for new clients. Periodic reviews. Negative news disposition

• Analyzed and determined account documentation required for new clients

• New account opening experience (Corporations, Trusts, Institutions, LLCs and Partnerships)

• Enhanced Due Diligence for PEPs and high-risk clients. Conducted investigation of money laundering alerts or transactions considered suspicious. Risk assessments

• Ensured efficient identification and monitoring of activities and transactions considered suspicious

• Lexis Nexis, Factiva, OFAC, World Check, Google

JP MORGAN CHASE, NEW YORK, NY

AML/KYC Quality Control Analyst/Enhanced Due Diligence Analyst – (Contract) Private Wealth Management

September 2017 – August 2018

• Performed quality review of new and existing KYC profiles for Latham Private Bank clients

• Reviewed complex client relationships and high-risk clients (Individuals/Joint, Trusts, Offshore PICs, LLCs, Partnerships, Institutional clients). Risk assessments and negative news disposition

• Performed KYC risk remediations. Identified incomplete or missing information. Identified negative news and other financing red flags in client’s profile. Risk assessments

• Escalating any red flags and making and making recommendations to Compliance Management for further action. Escalation of critical issues to management. Double checking supporting documentation provided

• Analyzed highly complex offshore corporate structures and/or other high risk accounts

BANCO DE LA NACION ARGENTINA, NEW YORK, NY

AML/KYC Compliance Analyst – (Contract) Financial Crimes Unit - Latin American Group

March 2017 – August 2017

• Investigated and assessed alerts relating to potential money laundering risks in the organization.

Prepared written investigative reports and Suspicious Activity Reports (SARs) as appropriate..

• Monitored incoming wires as part of Argentina’s tax amnesty program

• Daily assessment of AML reports relating to potential suspicious activity. KYC remediations

• Conducted Enhanced Due Diligence for PEPs and high-risk clients. Drafted suspicious activity reports (SARs). Lexis Nexis, World Check, NOSIS, Google

Analyzed, investigated and reviewed suspicious activity

UBS, NEW YORK, NY

AML/KYC - Investigations Senior Analyst - Financial Crimes Unit

April 2015 – October 2016

• Investigated and assessed alerts relating to potential money laundering risks in the organization

• Documentation review on new and retentive clients. Disposition of AML alerts and negative news

• New account opening experience (Individuals/Joint, Corporations, Trusts, Institutions, LLCs, Partnerships, HNW clients, Institutions). Lexis Nexis, Factiva, OFAC, World Check and Google

• Enhanced Due Diligence for PEPs and high-risk clients. Conducted investigations of money laundering alerts or transactions considered suspicious. Risk assessments. Transaction and client activity monitoring. Private client services (International and domestic)

• Creating client’s profile. Client transaction monitoring. Analyzed customer KYC information in conjunction with transactional data.

CITIGROUP, NEW YORK, NY

AML/KYC Officer – Assistant Vice President - Private Wealth Management

October 2014 – March 2015

• New clients onboarding process. KYC customer identification, data collection, recording, quality assurance and renewal processes. Researched client alerts. Documentation review. Institutional clients and high net wealth clients

• A member of the KYC department responsible for opening, amending, reviewing and exiting clients according to established policies and procedures. Reviewed client's transactions to detect and report either proposed or completed unusual transactions.

DEUSTCHE BANK, NEW YORK, NY

AML/KYC Analyst – (Contract) Sales & New Business Development Group

April 2014 – October 2014

• Supported the Sales group during the new client’s onboarding process. KYC customer identification, data collection, recording, quality assurance and renewal processes. Performed new client adoptions and periodic reviews for clients. Researched, documented and analyzed background information on prospective and existing clients (Financial institutions, Management / Directors / UBOs). Enhanced Due Diligence for PEPS and high-risk clients

• Prepared client profiles for new and retentive business.

• Versed in the BSA, USA Patriot Act, OFAC, FinCEN requests for information 314 (a), subpoenas, NSLs and FATCA

JP MORGAN CHASE, NEW YORK, NY

Customer Care Research Analyst - (Contract) Bankruptcy / Mortgage and Default Unit October 2011 – May 2013

• Researched / resolved issues relating to first mortgage loans and/or home equity loans

• Reviewed / researched / analyzed loan servicing documents. Ensured compliance with regulatory requirements

• Loan documentation verification. Validated loan data. Worked with Legal/Compliance/Auditing departments

BNY MELLON, NEW YORK, NY

Vice President / Sr Client Services Account Manager - Project Finance Unit

Vice President / Team Leader - Escrow and Insurance Trust Unit

April 1999 – April 2010

• Reviewed and negotiated terms of legal governing documents with attorneys, vendors and clients (Corporate Finance, Project Finance, Escrows, Insurance trusts and Institutions).

• Conducted Due Diligence on business and clients. Processed client onboarding requests

• KYC client reviews and annual re-validations. Assessed for potential money laundering activities

• Prepared profiles for new and retentive customers. Collected documentation. Performed client analysis, including Enhanced Due Diligence reviews. Trade set-ups and internal auditing

• Liaised with Auditors, Client Service Managers and KYC/Compliance groups

EDUCATION

Hofstra University – Graduate Finance Certificate

Pace University, B.S. Degree – concentration in Psychology and Business with a minor in Law

SKILLS

Bilingual in Spanish and English

Proficient in: Microsoft - Excel, Word, PowerPoint – Outlook

Military background (US Air Force and US Army) – Rescue/Firefighter, Medic, Intelligence unit

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